FERGUS
Charter #8881 · Lewistown, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.98% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.51% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 43rd — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FERGUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $118.94M | 13th pct | 43th pct |
| Members | 6,485 | 9th pct | 34th pct |
| Net worth ratio | 13.42% | 73th pct | 72th pct |
| Return on average assets | 1.98% | 96th pct | 97th pct |
| Net interest margin | 4.21% | 81th pct | 69th pct |
| Cost of funds | 1.41% | 62th pct | 62th pct |
| Loan-to-share | 85.41% | 80th pct | 77th pct |
| Delinquency 60+ days | 0.30% | 22th pct | 38th pct |
| Net charge-off ratio | -0.01% | 4th pct | 10th pct |
| Loan growth YoY | 2.03% | 67th pct | 57th pct |
| Share growth YoY | 4.65% | 67th pct | 66th pct |
| Efficiency ratio | 59.51% | 8th pct | 5th pct |
structural peer set hash: 969563d2ba80ae57f143ebd4e9bc3510… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.